信用评价是否抑制了网贷行为中的地区与学历偏好

Is it a Repression of Credit Evaluation to the Preference of Region and Education Degree during Internet Lending,or is not?

地区与学历偏好问题在借贷市场一直普遍存在,而当前中国的网络借贷发展正如火如荼。依据"人人贷"网站平台借贷数据,本文检验了地区与学历层次对借款订单的成功率、利率、竞标人次、竞标时长的影响作用,进而验证了地区与学历偏好在网贷行为中的存在性,以及信用评价机制所发挥的抑制作用。研究发现,在信用评价机制不健全情形下,网贷行为中的出借人投资决策对订单所属人的地区与学历确实存在偏好倾向;不过随着信用评价机制的逐步完善,这种地区与学历偏好已不再那么明显,具体表现为随着借款人信用得分的不断提高,地区与学历偏好所受到的抑制性会越来越突出。研究鼓励网络借贷的竞争与创新,规范信用评价机制,降低信息不对称等措施,可以有效地解决借贷行为中暴露出的地区与学历标签式偏好性问题,并有助于提高互联网借贷的匹配效率。

The preference problem of region and education degree always exists in lending market, and the development of China＇s internet lending is vigorous now. Based on the transaction data of ＂renrendai＂ website, this paper researches the effect of region and education degree to loan documents＇ success rate, interest rate, bid quantity, bid time, and moreover examines the preference existence of region and education degree as well as the repression of credit evaluation mechanism. Our results confirm that in the case of incomplete credit evaluation mechanism, the lenders＇ investment decision has the preference of region and education degree certainly; however, the preference will be not apparent with the improvement of credit evaluation mechanism, specifically, along with the enhancement of credit score, the repression to region and education degree is more and more prominent gradually. This research shows that we should encourage the competition and innovation of internet lending, regulate credit evaluation mechanism, decrease the information asymmetry, then it can resolve the tabbed preference problem just like region and education degree perfectly, thereby enhance the matched efficiency of internet lending greatly.